About Punjab National Bank

Punjab National Bank is one of the leading public sector banks in India with the experience of more than 121 years in the field of banking and financial services. The bank has been established by the uncommon people who were true patriots as they wanted to start a bank that must be totally managed by the Indians with the Indian capital only. Having that vision in the year 1895 was, of course, an appreciable idea in itself. The bank hence came into existence on April 12, 1895, in Lahore which was in India at that time.

PNB works with the motto of giving best of its services keeping in mind the financial needs of the customer and their affordability. It has designed all its products by giving equal importance to the rural as well as the urban class of the society. Punjab National Bank has also been announced as the first among all banks in deposit mobilized by Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts. The bank also proved itself as a responsible corporate by working towards the social development of the society as well.

Punjab National Bank Patna Branch Addresses

Branch Name

Complete Address

IFSC Code

MICR

Contact Number

Danapore Cantt

Danapore Cantt, District Patna Bihar

PUNB0014200

800024012

NA

Exhibition Road

Exhibition Road, Patna, Bihar 800001

PUNB0038000

800024004

0612-2222263, 221598

Patna City

Chowk Patna City, Patna - 800008

PUNB0038100

800024010

0612-2641180, 2643256

Muradpur, Patna

Block Patna Sadar, Ashok Rajpath, Patna, Bihar - 800004

PUNB0039400

800024003

0612-2667036, 2302051

Kankarbagh, Patna

Kankarbagh, Distt Patna, Bihar

PUNB0149900

800024009

0612-2351087, 2353136

RCC Patna

Bank Road, Patna, Bihar - 800001

PUNB0198400

800024001

0612-2223929

Boring Road, Patna

Boring Road, District Patna, Bihar 800001

PUNB0291000

800024006

0612-2266485/2261422

New Market, Patna

Block Patna Sadar, Patna, Bihar 800001

PUNB0291300

800024005

612-2221519-2233192

Morcha Road, Patna

Morcha Road Patna City , Patna - 800009

PUNB0291600

800024011

0612- 2616447, 2648759

CMO:Budha Colony

East Boring Road, Awas Apartment, Budha Colony, Patna, Bihar 800001

PUNB0292000

800024007

0612-2531215, 2520596

R K Avenue, Patna

Aparna Complex, Kadamkuan, Patna, Bihar - 800003

PUNB0292100

800024013

0612-2670868/92463

RT Bhawan, Punaichak

Pump House Road, Punaichak, Bihar - 800023

PUNB0296800

800024008

0612-2204561, 2228959

East Gandhi Maidan

Hotel Tourist Building, East Gandhi Maidan, Patna, Bihar

PUNB0304100

800024002

0612-2301482, 2301514

Gandhi Nagar

Gandhi Nagar, Patna, Bihar

PUNB0386900

800024014

0612-2353620, 2350221

SSI, Patna

SPL SSI Branch, Boring Road, Patna, Bihar - 800001

PUNB0389100

800024015

0612-2525585, 2522860

Products Offered by Punjab National Bank in Patna

In Patna, Punjab National Bank offers affordable personal loans, home loans, Pradhan Mantri Mudra Yojana, loan against property, car or vehicle loans, under the loan products. Also, the saving options like Fixed Deposits and Recurring Deposits are made keeping in mind the financial needs of the customers. Below are the details like eligibility criteria, annual interest rate, tenure, fund limit, documents and other general details that you must know while applying at Punjab National Bank.

Basic Details of Punjab National Bank Products

Product

Eligibility

Amount

Interest Rate

Processing Fee

Tenure

Home Loan

For Public:Individuals or Joint owners.For Pradhan Mantri Awas Yojana:EWS households are defined as households having an annual income up to ₹3,00,000 LIG households are defined as households having an annual income above ₹3,00,000 and up to ₹6,00,000

Minimum age of 21 yearsMaximum age of 58 years₹15000 per month at metro centres₹12500 per month at urban centresMinimum Net Monthly Income of ₹10000 per month at semi-urban and rural centresTotal work experience of 2 yearsMinimum 1 year of stay at current residenceFor Self-employed:Age between 21-65 yearsMinimum Net Monthly Income of ₹20,000/-Total work experience of 2 years

Up to ₹5 lakhs to a subject of 20 times monthly salary of the applicant whichever is lower

Individuals / Partnership / Ltd Liability Partnership / Pvt. Ltd. Co. /Public Ltd.Co/Trust and Co-operative Societies registered under any law relating to cooperative societies engaged in rendering of service and are categorized as Micro, Small & Medium Enterprises. ii) In Service Sector, the person behind the project/service provider is very important. Their qualification/experience is to be taken into account. iii) For the list of activities under service sector, various notifications from Ministry of MSME, GOI may be referred.

Up to ₹2 Crores

As per extant guidelines of the bank

Up to ₹500

Up to 7 years

Loan Against Property

For Personal Needs:Employees of Central/State Govt./Schools/Colleges/Public Sector Undertakings (PSUs)/Reputed Corporates and Other Income Tax AssessesMaximum age of 60 yearsMinimum Net Monthly Salary of ₹10,000/- for last 3 years for salaried classMinimum Net Annual Income of ₹1,20,000/- for other income tax assessesQuantum of Finance from ₹1 lakh to ₹5 lakhMaximum 75% of the market value of the propertyMaximum three times of Annual Gross IncomeMaximum Four times of Annual Gross IncomeNet Income should be double that of Monthly Instalment in the case of Term Loan as well as Overdraft limit on monthly reducing DP basis.

For Business Needs:

Existing customers with a satisfactory track record of three years (cash profits during last three years and net profit in the immediately preceding year)Minimum Net annual Income/ Net Profit of ₹120000/- and aboveQuantum of Finance from ₹5 lakh to ₹5 CroresMaximum 75% of the market value of the propertyMaximum three times of Annual Gross ProfitMaximum Four times of Annual Gross ProfitNet income should be 1.5 times that of EMI in the case of Term Loan and that of interest amount ( on full sanctioned limit) in the case of Overdraft limit. Interest and depreciation charges will be added back for the purpose of arriving at Net Income/ profit

Up to ₹500 lakhs

Up to MCLR +6.00

Term Loan: 0.90% of loan amount, Maximum ₹45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basis

Up to 10 years

Fixed Deposit

Individual (singly or jointly) with others.Minors who have attained the age of 10 years and above in his own name on giving proof of age by his guardian or any other reliable source or through his natural/legal guardian.Proprietorship/partnership firm, commercial organization, company/ corporate body.Hindu Undivided Family.Association, club, society, trust or religious/charitable or educational institution.Municipality or Panchayat, Government or quasi-government body.The illiterate and blind persons can also open the account.

Minimum- ₹100Maximum- ₹10 Crores

5.70% - 7.41%

NA

Up to 10 years

Documents Required

Here are the documentation required to apply at Punjab National Bank, that an applicant must follow so as to get instant approval and easy processing.

Title Deeds of the Plot Proof of no encumbrances on the propertyCopy of the plans approved by the Local AuthoritiesConstruction estimate by an Architect / Civil engineer

Other Documents:

Employment Contract/Appointment Letter in case current employment is less than 1 year oldLast 6 months' Bank Statements showing repayment of any ongoing loansDuly filled application form along with recent passportOwn Contribution Proof

Personal Loan

For Salaried:

Loan application form with passport size photographIdentify proof with unique identification number in case of military/ para military personnelEducational qualification proofAge proofProof of official address and residential addressIncome proofLatest salary slipForm 16, duly authenticated by the employer

For Self-employed:

Loan application form with passport size photographIdentify proof with unique identification number in case of military/ para military personnelEducational qualification proofAge proofIncome proofIT returns for the last three financial yearsLatest bank statement

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